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Car Loans & Chrysler, Dodge, Jeep or Ram lease in Harrisburg, IL | Jim Hayes near West Frankfort, Herrin, Marion, Benton, and Carmi

So you've done your research, test driven a new or used car and have finally found the one! Now it's time to seal the deal and make it yours. Let's talk car loans and leases. Fun's over, right? Wrong!

At Jim Hayes, we help to take out the stress of financing a new car. Our auto finance professionals are equipped with a large network of Harrisburg, West Frankfort, Herrin, Marion, Benton, and Carmi area providers so you can obtain the new Chrysler, Dodge, Jeep or Ram lease of car loan with the lowest interest rate possible.

Even if you are considering purchasing the new Chrysler, Dodge, Jeep, or Ram truck or used car you've always wanted, come over to Jim Hayes. We are conveniently located near West Frankfort, Herrin, Marion, Benton, and Carmi at 2130 US Highway 45 North

If you're unsure of whether a car loan or Chrysler Dodge Jeep Ram lease would be a better option for you? Let our auto finance experts guide you. Buying vs leasing is a question we are often asked.

If you would like to start the process before you come in, just fill out our auto financing form. Once completed, one of our friendly staff will contact you as soon as possible.

Get Answers to Your Frequently Asked Auto Financing Questions from the Team at Jim Hayes Inc

We know that there are a lot of folks out there who are intimidated by the car financing process because they feel like they are in the dark when it comes to understanding it. At Jim Hayes Inc, located at 2130 US Highway 45 N in Harrisburg, IL, our finance center never wants one of our customers to feel like they don't have the information necessary to make an informed decision about buying or leasing their next car, truck, SUV, or minivan. We want everyone to feel empowered when they drive back home in their new vehicle. It is one of the reasons that we have complied a list of frequently asked auto financing questions and their answers.

Frequently Asked Questions

Can I Buy or Lease a Car, Truck, or SUV Online?

Our dealership understands that many folks may not have the time to visit us in person for the whole car buying process. It is one of the many reasons that we give folks the ability to complete most of their car shopping online. With our online shopping tools, customers can select their new car, get a value for their current vehicle, personalize a payment option, and apply for financing. It is a streamlined and quick way to buy or lease your next vehicle.

Are Monthly Payments Lower When I Lease as Compared to Buying?

In general, a monthly lease payment is going to be less than a monthly payment when you are buying a car. When you lease a vehicle, you are only paying for the portion of the vehicle you are going to use. Buying a car requires you to pay for the entire vehicle over the course of the term. Unless you put a lot of money down, your auto loan payment will always be higher than a lease payment for the same term.

How Does My Credit Impact Buying or Leasing a Vehicle?

Your credit is very important when it comes to the purchase or lease of a vehicle. It is one of the factors that is considered when you are trying to finance or lease your next car, truck, SUV, or minivan. If your credit score is too low, you may have less favorable terms or have a hard time getting approved. The good news is that the finance center at Jim Hayes Inc works with customers of all credit levels, and has experience getting folks approved that have been turned down by other lenders and car dealers.

Can I Buy My Vehicle if I Am Currently Leasing It?

Yes, you can buy your vehicle if you are currently leasing it. At the end of your lease agreement, you have the option of buying your leased car, truck, SUV, or minivan for the residual amount. Our finance center can help you with that process.

What Happens When I Return My Leased Car, Truck, or SUV?

When you are set to return your leased car, truck, or SUV, you will have four choices. You can buy the vehicle you were leasing, you can lease something new, you can buy something from our new or used selection, or you can drop off your keys. If you choose to drop off your keys, our finance center can help guide you through the lease-end process successfully. You will also need to ensure that your end-of-lease inspection has been conducted.

Should I Wait for a Manufacturer's Lease Deal or Special Incentive?

The team at Jim Hayes Inc always has lease deals and incentives on some of the most popular models in the Chrysler, Dodge, Jeep, and RAM lineups. When you find a lease deal or special incentive that works, you should pounce on it. Many lease deals and incentives expire monthly, so it is imperative that you act quickly. You can apply for financing online with our credit application.

How Does Trading My Used Vehicle Work at an Auto Dealership?

The process of trading your used car to Jim Hayes Inc is quite simple. You can also count on getting top dollar for your trade. The first step is to use our Kelley Blue Book® (KBB) online trade evaluator. Since KBB is a trusted source for vehicle value information, you can count on getting an accurate market value for your vehicle. Once you get your trade value, someone from our dealership will contact you about setting up an in-person appraisal. You can use that final value as a credit toward something from our new models or used inventory.

Contact Us

Jim Hayes Inc, in Harrisburg, IL, realizes that auto financing is a complex subject. If you have any questions about buying or leasing a new vehicle, contact our team today!

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Jim Hayes Inc

2130 US Highway 45 N.
Directions Harrisburg, IL 62946-4812

  • Sales: 618-207-4248
  • Service: (618) 715-0880
  • Parts: (618) 715-0866


  • Monday 09:00AM - 06:00PM
  • Tuesday 09:00AM - 06:00PM
  • Wednesday 09:00AM - 06:00PM
  • Thursday 09:00AM - 06:00PM
  • Friday 09:00AM - 06:00PM
  • Saturday 09:00AM - 05:00PM
  • Sunday Closed